That's according to a recent report by healthcare cost database FAIR Health, which looked at the economic impact of the coronavirus pandemic on the healthcare system. The analysis considered nearly 18 million people under age 65 who used employer health plan claims.Advertisement

As seen in the chart below, the report looked at estimated total charges for COVID-19 patients requiring inpatient stays, both with and without insurance. It based these charges on whether that inpatient need was low or high (an estimated 4.9 million to 19.8 million) as well as on the incidence rate - the percentage of the US population infected (an estimated 66 million to 198 million).

The best-case case scenario for insured Americans is that they'd collectively owe $139 billion, based on low hospitalization with a low incidence rate. In a worst-case scenario - high hospitalization with a high incidence rate - the insured population would owe $558 billion.

And it's way worse for the 27 million Americans without insurance. Their best-case scenario - again, low hospitalization, low incidence rate - is that they'd owe a collective $362 billion. In a worst-case scenario, they'd owe $1.4 trillion.That's nearly 70% of the size of the historically massive, eye-popping $2.2 trillion stimulus passed into law late last week. The stimulus will send $1,200 checks to millions of Americans and will expand unemployment benefits by adding $600 per week to state benefits for up to four months, reported Joseph Zeballos-Roig for Business Insider.Advertisement

Overall, an estimated $560 billion of the bill is allocated for individual Americans, according to NPR. But uninsured Americans are a fraction of those individuals, and if they have the coronavirus and are hospitalized, they may not see a penny from the stimulus if they have to pay off such big medical bills.

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